Security State Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Security State Bank & Trust of Fredericksburg, TX reported 311 mortgage applications totaling $176.0 million, down 10% from 2023. The average application was for $565,996, and applicants reported an average income of $286,299. 65% of its applications resulted in an originated loan and 9% were denied. Its largest markets were San Antonio-New Braunfels, TX (52), Austin-Round Rock, TX (37) and Fort Worth-Arlington, TX (28) (applications in parentheses).
| Mortgage Company & Address | Security State Bank & Trust 201 West Main Street Fredericksburg, TX 78624 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 311 |
| Total Mortgage Loan Application Amount | $176,025,000 |
| Average Mortgage Loan Application Amount | $565,996 |
| Highest Mortgage Loan Application Amount | $27,455,000 |
| Average Applicant Income | $286,299 |
| Highest Applicant Income | $6,564,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kerr, Texas | 50 | $ 11,630,000 | $ 232,600 | $ 121,000 |
| Burnet, Texas | 45 | $ 18,405,000 | $ 409,000 | $ 191,000 |
| Gillespie, Texas | 41 | $ 19,935,000 | $ 486,219 | $ 445,000 |
| Comal, Texas | 27 | $ 13,215,000 | $ 489,444 | $ 222,000 |
| Travis, Texas | 25 | $ 25,335,000 | $ 1,013,400 | $ 457,000 |
| Blanco, Texas | 21 | $ 8,075,000 | $ 384,523 | $ 220,000 |
| Llano, Texas | 17 | $ 5,825,000 | $ 342,647 | $ 194,000 |
| Tarrant, Texas | 15 | $ 12,735,000 | $ 849,000 | $ 391,000 |
| Kendall, Texas | 12 | $ 5,460,000 | $ 455,000 | $ 428,000 |
| Parker, Texas | 8 | $ 3,960,000 | $ 495,000 | $ 248,000 |
| Bexar, Texas | 7 | $ 29,765,000 | $ 4,252,142 | $ 295,000 |
| Hays, Texas | 6 | $ 3,100,000 | $ 516,666 | $ 376,000 |
| Williamson, Texas | 5 | $ 3,065,000 | $ 613,000 | $ 328,000 |
| Aransas, Texas | 3 | $ 2,465,000 | $ 821,666 | $ 327,000 |
| Bandera, Texas | 3 | $ 375,000 | $ 125,000 | $ 29,000 |
| Johnson, Texas | 3 | $ 825,000 | $ 275,000 | $ 141,000 |
| Kimble, Texas | 3 | $ 335,000 | $ 111,666 | $ 103,000 |
| Collin, Texas | 2 | $ 400,000 | $ 200,000 | $ 121,000 |
| Comanche, Texas | 2 | $ 210,000 | $ 105,000 | $ 65,000 |
| Guadalupe, Texas | 2 | $ 170,000 | $ 85,000 | $ 190,000 |
| Wise, Texas | 2 | $ 800,000 | $ 400,000 | $ 160,000 |
| Cheatham, Tennessee | 1 | $ 5,375,000 | $ 5,375,000 | $ 4,965,000 |
| Bastrop, Texas | 1 | $ 765,000 | $ 765,000 | $ 166,000 |
| Brewster, Texas | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Frio, Texas | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Galveston, Texas | 1 | $ 265,000 | $ 265,000 | $ 367,000 |
| Hood, Texas | 1 | $ 205,000 | $ 205,000 | $ 234,000 |
| Hunt, Texas | 1 | $ 655,000 | $ 655,000 | $ 311,000 |
| McLennan, Texas | 1 | $ 385,000 | $ 385,000 | $ 393,000 |
| Medina, Texas | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Schleicher, Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Van Zandt, Texas | 1 | $ 315,000 | $ 315,000 | $ 81,000 |
| Zavala, Texas | 1 | $ 185,000 | $ 185,000 | $ 265,000 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 192 | $105,040,000 | $547,000 | $5,375,000 | $318,000 | $6,564,000 |
| Refinancing | 45 | $12,605,000 | $280,000 | $765,000 | $170,000 | $1,328,000 |
| Not Applicable | 41 | $47,185,000 | $1,150,000 | $27,455,000 | $340,000 | $1,250,000 |
| Home Improvement | 17 | $9,355,000 | $550,000 | $6,635,000 | $297,000 | $3,109,000 |
| Other Purpose | 16 | $1,840,000 | $115,000 | $305,000 | $84,000 | $281,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 233 | $112,975,000 | $484,000 | $6,635,000 | $308,000 | $6,564,000 |
| Hispanic | 45 | $10,825,000 | $240,000 | $685,000 | $136,000 | $711,000 |
| Not applicable | 24 | $43,750,000 | $1,822,000 | $27,455,000 | $0 | $0 |
| Black or African American | 5 | $2,645,000 | $529,000 | $1,375,000 | $142,000 | $409,000 |
| Asian | 3 | $4,825,000 | $1,608,000 | $3,605,000 | $561,000 | $1,130,000 |
| American Indian or Alaskan Native | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $362,000 | $362,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 297 | $170,885,000 | $575,000 | $27,455,000 | $289,000 | $6,564,000 |
| FHA-insured (Federal Housing Administration) | 11 | $3,015,000 | $274,000 | $415,000 | $112,000 | $219,000 |
| VA-guaranteed (Veterans Administration) | 3 | $2,125,000 | $708,000 | $895,000 | $223,000 | $339,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 201 | $128,555,000 | $639,000 | $27,455,000 | $311,000 | $6,564,000 |
| Application Approved But Not Accepted | 61 | $28,355,000 | $464,000 | $2,225,000 | $246,000 | $1,328,000 |
| Application Denied By Financial Institution | 27 | $9,655,000 | $357,000 | $3,115,000 | $242,000 | $2,603,000 |
| Application Withdrawn By Applicant | 22 | $9,460,000 | $430,000 | $1,725,000 | $155,000 | $409,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 284 | $166,370,000 | $585,000 | $27,455,000 | $285,000 | $6,564,000 |
| Debt-To-Income Ratio | 13 | $6,685,000 | $514,000 | $3,115,000 | $324,000 | $2,603,000 |
| Credit History | 6 | $590,000 | $98,000 | $205,000 | $52,000 | $71,000 |
| Collateral | 5 | $1,955,000 | $391,000 | $585,000 | $409,000 | $1,250,000 |
| Unverifiable Information | 2 | $250,000 | $125,000 | $125,000 | $52,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $112,000 | $112,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security State Bank & Trust's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Security State Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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